Vol. 4, Issue 2, Part A (2022)

This paper investigates the saving patterns among urban and rural households in Ethiopia, identifying determinants that influence these behaviors and the implications for economic policy and development. Through a comprehensive analysis of household income, expenditure patterns, financial literacy, access to banking facilities, and cultural influences, this study provides insights into the divergent saving behaviors across urban and rural landscapes. The paper utilizes a mixed-method approach, combining quantitative data from national surveys with qualitative insights from focus group discussions and interviews.